QMB Income Limits 2026
What Does QMB Cover?
QMB is the most comprehensive of the four Medicare Savings Programs. Here is exactly what it pays for:
- Medicare Part A premium — most people get Part A free, but QMB covers the premium for those who don't (up to $518/month in 2026)
- Medicare Part B premium — $185.00/month in 2026, saving you $2,220.00/year
- Part A deductible — $1,676 per benefit period in 2026
- Part B deductible — $257/year in 2026
- Part A and Part B coinsurance and copayments — all covered
QMB vs Other Medicare Savings Programs
| Program | Single income limit | Couple income limit | What it covers |
|---|---|---|---|
| QMB ✓ (this page) | $1,350/mo | $1,824/mo | Part A & B premiums, deductibles, copays, coinsurance |
| SLMB | $1,616/mo | $2,184/mo | Part B premium only |
| QI | $1,816/mo | $2,455/mo | Part B premium only (first-come, first-served) |
| QDWI | $1,997/mo | $2,694/mo | Part A premium only (disabled workers under 65) |
How to Apply for QMB
Apply for QMB through your state Medicaid agency — not through Medicare. You can also get free help from your State Health Insurance Assistance Program (SHIP).
Find your state on our Medicare Savings Programs page for your state's contact information.
Call 1-800-633-4227 to be connected to your state SHIP counselor for free, unbiased help applying for QMB.
Many states have eliminated or raised asset limits and may have higher income limits than the federal minimums. There is no penalty for applying and being denied.
Frequently Asked Questions
What is the QMB income limit for 2026?
The QMB income limit is $1,350/month for a single person and $1,824/month for a married couple in 2026. These amounts include the standard $20/month income disregard.
Does QMB cover prescription drugs?
QMB does not directly cover prescription drugs — that's handled by Extra Help (Low Income Subsidy) for Medicare Part D. However, QMB enrollment generally qualifies you automatically for Extra Help, which reduces Part D premiums and copayments significantly.
Can I have QMB and Medicare Advantage?
Yes. QMB works with both Original Medicare and Medicare Advantage. If you have a Medicare Advantage plan, your plan must cover your Medicare cost-sharing up to the QMB limit. Contact your plan to make sure they are aware of your QMB status.
How long does QMB last?
States periodically review continued QMB eligibility. Your state Medicaid agency will send you a renewal notice. Keep your contact information updated to avoid a gap in coverage.